Credit Analyst

Grade: OG II
Division/Branch: ADC Business – Credit Cards

This role requires a comprehensive understanding of the State Bank of Pakistan (SBP) guidelines related to credit cards. The candidate will be responsible for managing data entry within the credit card management system and evaluating customers' debt burden to prepare risk rating sheets and credit card checklists. The position involves verifying negative listings such as Debarred or FIU Watchlist through the Compliance Division and handling limit enhancement, reduction, and upgrade requests. Additionally, the role includes arranging renewal credit cards, preparing daily and monthly management information system (MIS) reports, and archiving approved credit card applications. Updating customer information in the core banking system and resolving customer complaints or product-related queries promptly are also key aspects. The candidate will handle SBP reporting tasks including monthly e-CIB reporting, risk rating, and A-07 reporting. Proficiency in MS Office, particularly MS Excel and its formulas, is essential. The role also requires participation in quarterly drills at the Business Continuity Planning (BCP) site and performing any other duties assigned by the unit head to ensure timely customer service.

Key Responsibilities:
- Perform accurate data entry on the credit card management system.
- Evaluate customer debt burden and prepare risk rating sheets and credit card checklists.
- Verify negative listings such as Debarred or FIU Watchlist through the Compliance Division.
- Process credit card limit enhancements, reductions, and upgrades.
- Arrange renewal of credit cards as required.
- Prepare daily and monthly MIS reports related to credit card operations.
- Archive credit card applications post-approval.
- Update customer details including email addresses, mobile numbers, and branch codes in the core banking system.
- Resolve customer complaints and product-related leads concerning credit cards promptly.
- Manage SBP reporting requirements such as monthly e-CIB reporting, risk rating, and A-07 reporting.
- Demonstrate thorough knowledge of MS Office, especially MS Excel and its formulas.
- Participate in quarterly drills at the BCP site.
- Undertake additional tasks assigned by the unit head to facilitate efficient customer service.

Required Qualifications:
- In-depth knowledge of SBP guidelines regarding credit cards.
- Strong data entry skills and attention to detail.
- Ability to assess customer financial information and prepare risk assessments.
- Familiarity with compliance checks related to negative listings.
- Proficiency in MS Office, particularly MS Excel and its formulas.
- Experience in preparing MIS reports and handling regulatory reporting.
- Effective problem-solving skills to resolve customer complaints in a timely manner.
- Ability to work collaboratively and follow instructions from the unit head.

Preferred Qualifications and Benefits:
- Experience working within a credit card business or financial institution is advantageous.
- Knowledge of core banking systems and customer data management.
- Exposure to Business Continuity Planning (BCP) drills and procedures.

Application Deadline: October 2nd, 2026